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Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,779 | $105,210-47.0% | $159,487-65.0% | $85,851-35.0% |
| Participation rate | 91.5% | 75.8%+15.7pp | 82.8%+8.7pp | 69.3%+22.2pp |
| Annual return | 11.69% | 45.08%-33.4pp | 263.71%-252.0pp | 318.63%-306.9pp |
| Employer contribution / active EE | $10,866 | $3,319+227.4% | $4,831+124.9% | $2,565+323.6% |
| Participant deferral / active EE | $388 | $5,946-93.5% | $7,354-94.7% | $3,952-90.2% |
| Admin fee / account holder | $4,517 | $6,934-34.9% | $10,804-58.2% | $6,261-27.9% |